It's not that complicated. The purchase method is as follows: (for reference only) Open an account in a bank in Hong Kong (recommended by China Bank), and you can buy Hong Kong stocks, overseas funds or foreign exchange, and then buy online when you come back! However, if you want to deposit RMB into a fund with corresponding pricing, the handling fee is generally 5%, but you can bargain at a discount! (If your deposit is more than 500,000 yuan, there will be VIP service, and the discount rate for purchasing funds can reach 1.5-2%. ) Now there are restrictions for individuals to purchase foreign exchange and remit money every month (like 2000/ USD? )